San Retna is the Chief Portfolio Officer at the Enterprise Portfolio Management Office at AAA of Northern California, the second largest AAA affiliate in the US. With more than four million members in Northern California, Utah, and Nevada, and approximately 6,500 employees, the organization provides an extensive range of services including auto and homeowners' insurance, travel, roadside assistance, and financial services. The organization's portfolio/program management office initiative was established to develop and implement enterprise portfolio management processes. Mr. Retna is responsible for ensuring delivery excellence for a portfolio of 100-plus programs and projects across the enterprise. With a corporate investment of US $100 million to $200 million annually, these projects include business process redesign efforts, IT infrastructure upgrades, real estate activities, application development, and other capability initiatives. Under Mr. Retna's guidance and directorship, the resultant structured approach of the portfolio/program management office is enabling the realization of more than 80% of the promised business benefits. Prior to joining AAA of Northern California in 2002, Mr. Retna spent 12-plus years consulting for a variety of Fortune 500 clients including Bell Atlantic, Barclays Bank, J.P. Morgan, Merrill Lynch, Philip Morris, and Washington Mutual.